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This is a member contribution representing Nisiprius' personal opinions. It's based on {{Forum post| title= "4% rule" withdrawals from real mutual funds| t= 330521}}.
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'''{{PAGENAME}}''' is a member contribution representing Nisiprius' personal opinions. It's based on {{Forum post| title= "4% rule" withdrawals from real mutual funds| t= 330521}}.
    
Most "[[Safe withdrawal rates|safe withdrawal rate]]" studies have used stock indexes and similar data, often the Ibbotson SBBI data series. In real life, investors would not have had any practical vehicles for realizing these results. On the other hand, a handful of balanced mutual funds have had very long histories, in some cases almost as long as the Ibbotson data, and could actually have been invested in. I decided to see how withdrawals according to the traditional "4% rule" would have fared using real-world mutual funds.
 
Most "[[Safe withdrawal rates|safe withdrawal rate]]" studies have used stock indexes and similar data, often the Ibbotson SBBI data series. In real life, investors would not have had any practical vehicles for realizing these results. On the other hand, a handful of balanced mutual funds have had very long histories, in some cases almost as long as the Ibbotson data, and could actually have been invested in. I decided to see how withdrawals according to the traditional "4% rule" would have fared using real-world mutual funds.

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